Freddie Mac Single-Family Seller/Servicer Guide 5606.3 — Electronic appraisal reports
Freddie Mac Single-Family Seller/Servicer Guide Section 5606.3 — Electronic appraisal reports.
Verbatim regulatory text
Verbatim provisions from Freddie Mac Single-Family Seller/Servicer Guide 5606.3 — Electronic appraisal reports — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.
Freddie Mac Single-Family Seller/Servicer Guide 5606.3 — Electronic appraisal reports (part 1 of 2)
Refer to Bulletin 2025-7, which announced the policy requirements for Uniform Appraisal Dataset (UAD) 3.6. Sellers may submit to the Uniform Collateral Data Portal® appraisal reports that use UAD 3.6 before the mandatory effective November 2, 2026 version of this section. This section contains information for: ■ Electronic appraisal report requirements ■ Unacceptable electronic appraisal report practices ■ Seller liabilities and responsibilities (a) Electronic appraisal report requirements The Seller may use and maintain an Electronic Record of the appraisal report as an original Mortgage file document if the following conditions are met: 1. The electronic appraisal report otherwise complies with the applicable appraisal report requirements in Topic 5600 2. The appraiser electronically transmits the electronic appraisal report directly to the Seller or a third party authorized by the Seller 3. The electronically transmitted photographs and any addenda are clear and meet the requirements for exhibits and addenda outlined in Section 5604.2 4. The Seller represents and warrants that the appraiser’s Electronic Signature, and a supervisory appraiser’s signature if applicable, are attached to, or logically associated with, the electronic appraisal report in accordance with the federal Electronic Signatures in Global and National Commerce Act (“E-SIGN”) and other applicable State and federal laws 5. The Seller represents and warrants that the electronic appraisal report is as effective, enforceable and valid as a paper original of the appraisal report duly executed by the appraiser and the supervisory appraiser, if applicable (b) Unacceptable electronic appraisal report practices In addition to the unacceptable appraisal practices set forth in Section 5603.4, the following are unacceptable electronic appraisal report practices, and each constitutes a breach of the Seller’s warranty of the professional quality of the appraisal report: ■ Failure of the appraiser to take reasonable precautions to protect their electronic signature from identity and signature theft, including granting a trainee, administrative personnel or other third-party permission to use the appraiser’s or supervisory appraiser’s electronic signature ■ Failure to maintain proper security controls to protect against alteration of the appraisal report or data used by anyone other than the appraiser, or supervisory appraiser, if applicable, responsible for the appraisal report ■ Failure to securely store the electronic appraisal report, including all original photographs, maps and supporting documents, as originally reported by the appraiser (c) Seller liabilities and responsibilities (i) Liability for the authenticity and accuracy of the appraisal report The Seller retains liability for the authenticity and accuracy of the electronic appraisal report, including all original photographs, maps and supporting documents. If the Seller is concerned about the accuracy or reliability of the electronic appraisal report or photographs, maps and supporting documents, the Seller must immediately obtain a paper duplicate of the electronic appraisal report signed with pen and ink by the appraiser, and the supervisory appraiser, if applicable, and maintain the paper duplicate of the electronic appraisal report in the Mortgage file in accordance with the requirements of Section 3302.1(b). The Seller shall provide the electronic or original appraisal report and photographs, as applicable, to Freddie Mac upon Freddie Mac’s request. (ii) Representations and warranties for authenticity of any appraisal report and required notification The Seller represents and warrants that any appraisal report, including photographs received from an appraiser by the Seller or any third party specifically authorized by the Seller as an Electronic Record, is a copy of the original appraisal report, including photographs, that was signed by the appraiser, and a supervisory appraiser, if applicable, and that it complies with applicable State and federal laws and regulations. The Seller agrees that the appraisal report and photographs received from an appraiser by the Seller or any third party specifically authorized by the Seller as an Electronic Record are subject to the Seller’s representations, warranties, covenants, agreements and requirements contained in Chapter 1401. If the Seller becomes aware of the unauthorized or improper use of the appraiser’s signature or the supervisory appraiser’s signature, if applicable, or suspects unauthorized alteration of any appraisal report, including photographs, the Seller must notify Freddie Mac immediately.
Freddie Mac Single-Family Seller/Servicer Guide 5606.3 — Electronic appraisal reports (part 2 of 2)
■ Electronic appraisal report requirements ■ Unacceptable electronic appraisal report practices ■ Seller liabilities and responsibilities (a) Electronic appraisal report requirements The Seller may use and maintain an Electronic Record of the appraisal report as an original Mortgage file document if the following conditions are met: 1. The electronic appraisal report otherwise complies with the applicable appraisal report requirements in Topic 5600 2. The appraiser electronically transmits the electronic appraisal report directly to the Seller or a third party authorized by the Seller 3. The electronically transmitted photographs and any exhibits are clear and meet the requirements for exhibits outlined in Section 5604.2 4. The Seller represents and warrants that the appraiser’s Electronic Signature, and a supervisory appraiser’s signature if applicable, are attached to, or logically associated with, the electronic appraisal report in accordance with the federal Electronic Signatures in Global and National Commerce Act (“E-SIGN”) and other applicable State and federal laws 5. The Seller represents and warrants that the electronic appraisal report is as effective, enforceable and valid as a paper original of the appraisal report duly executed by the appraiser and the supervisory appraiser, if applicable (b) Unacceptable electronic appraisal report practices In addition to the unacceptable appraisal practices set forth in Section 5603.4, the following are unacceptable electronic appraisal report practices, and each constitutes a breach of the Seller’s warranty of the professional quality of the appraisal report: ■ Failure of the appraiser to take reasonable precautions to protect their electronic signature from identity and signature theft, including granting a trainee, administrative personnel or other third-party permission to use the appraiser’s or supervisory appraiser’s electronic signature ■ Failure to maintain proper security controls to protect against alteration of the appraisal report or data used by anyone other than the appraiser, or supervisory appraiser, if applicable, responsible for the appraisal report ■ Failure to securely store the electronic appraisal report, including all original photographs, maps and supporting documents, as originally reported by the appraiser (c) Seller liabilities and responsibilities (i) Liability for the authenticity and accuracy of the appraisal report The Seller retains liability for the authenticity and accuracy of the electronic appraisal report. If the Seller is concerned about the accuracy or reliability of the electronic appraisal report, the Seller must immediately obtain a paper duplicate of the electronic appraisal report signed with pen and ink by the appraiser, and the supervisory appraiser, if applicable, and maintain the paper duplicate of the electronic appraisal report in the Mortgage file in accordance with the requirements of Section 3302.1(b). The Seller shall provide the electronic or original appraisal report to Freddie Mac upon Freddie Mac’s request. (ii) Representations and warranties for authenticity of any appraisal report and required notification The Seller represents and warrants that any appraisal report received from an appraiser by the Seller or any third party specifically authorized by the Seller as an Electronic Record, is a copy of the original appraisal report that was signed by the appraiser, and a supervisory appraiser, if applicable, and that it complies with applicable State and federal laws and regulations. The Seller agrees that the appraisal report received from an appraiser by the Seller or any third party specifically authorized by the Seller as an Electronic Record are subject to the Seller’s representations, warranties, covenants, agreements and requirements contained in Chapter 1401. If the Seller becomes aware of the unauthorized or improper use of the appraiser’s signature or the supervisory appraiser’s signature, if applicable, or suspects unauthorized alteration of any appraisal report the Seller must notify Freddie Mac immediately.
Operationalizing Freddie Mac Single-Family Seller/Servicer Guide 5606.3 — Electronic appraisal reports
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Source of record: https://claudeforcompliance.com/regs/fhlmc-5606-3/
· register fhlmc-5606-3 · Claude for Compliance. Free to read and download;
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